Berkley One Insurance in Florida,
the private-client carrier that brought its own flood product.

Berkley One in one paragraph. Berkley One writes home, automobile, fine art and collectibles, excess liability and travel insurance through select independent agents, and in Florida it added private flood coverage for home clients in eligible B, C and X zones. It entered Florida and Ohio in January 2019 and by 2022 was writing in roughly thirty states. Its policies are issued by W. R. Berkley member insurers; AM Best affirmed the A+ (Superior) financial strength rating of Berkley Insurance Company and its affiliates in June 2026. The application is here.

Home, auto, collections, excess liability, travel. The private-client set, written through select independent agents. The excess liability policy sits over the home and the autos; collections are scheduled at agreed value. Private flood for B, C and X zones. All of Florida is a flood zone; B, C and X are the zones FEMA maps as lower hazard, and they still flood, as Helene showed in September 2024 when surge reached 5 to 7 feet above ground along the Tampa Bay shoreline from a storm that made landfall a hundred miles away. A private-client flood policy on an X-zone house either replaces the NFIP policy or sits above its $250,000 building and $100,000 contents limits. Berkley One built that product for Florida specifically. Second homes. Berkley One said in 2019 that many of its clients own secondary or vacation homes in Florida. A household whose primary home is in the Northeast or Midwest and whose winter house is on the Gulf Coast is the account Berkley One was built around; see second home insurance in Florida and buying Florida property from out of state. Why the Florida fit matters more than the brand. Every private-client carrier has its own view of Florida wind. Distance to the coast, roof age and attachment, opening protection, construction and the rebuild value decide whether a given carrier will offer the home at all, what the named storm deductible will be, and whether flood has to come from the NFIP first. Section 627.7011(5) of the Florida Statutes stops an insurer from refusing a home solely for roof age under 15 years, or older with an inspection showing five years of useful life, but it does not make a carrier price a 2008 tile roof on a Longboat Key house the way it prices a 2023 one. The right carrier is the one whose appetite matches the house. How Hendrickson Insurance places it. Hendrickson Insurance is an independent agency in Sarasota, Florida. The private-client carriers on this page are quoted through the agency's wholesale private-client partner, which holds the appointments; Dennis Hendrickson builds the submission, reads the quotes and services the account. Send the current declarations pages, the home's rebuild estimate or square footage and year built, the roof year, any wind mitigation or four-point inspection, and the schedule of autos, valuables and boats. One submission goes to every carrier that fits, and the proposal shows them side by side.

Chubb, PURE, Vault and Private Client Select are quoted alongside Berkley One whenever the house fits more than one appetite.